Would you like to stop wasting money and find the cheapest auto insurance rates in Freeport, NY? If you're new to shopping for Freeport car insurance quotes online, you can be bewildered thanks to the incredible selection of online auto insurance companies and websites all offering big savings in Freeport.

Amazingly, about 70% of customers have been with the same company for well over three years, and approximately 38% of consumers have never taken the time to shop around. Many consumers in Freeport could save 45% each year by just comparing rate quotes, but they think it's difficult to compare rates.

If you currently have insurance, you will most likely be able to get lower rates using the tips covered below. This article's goal is to let you in on the best way to quote coverages and how to save the most money. Although New York vehicle owners must learn the methods companies use to sell online because rates fluctuate considerably.

Cheapest auto insurance companies in Freeport

The auto insurance companies shown below offer free rate quotes in New York. To locate cheap car insurance in New York, we recommend you visit two to three different companies in order to find the cheapest rates.

Insurance Price Estimates for Popular Vehicles in Freeport
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $728 $364 $61
Chevrolet Silverado LS Regular Cab 4WD $864 $432 $72
Dodge Ram Crew Cab ST 4WD $1,142 $571 $95
Ford Escape XLS 4WD $870 $435 $73
Ford F-150 STX Regular Cab 2WD $822 $411 $69
Ford Focus SES 4-Dr Sedan $852 $426 $71
Honda Accord LX-P 4-Dr Sedan $958 $479 $80
Honda CR-V EX 4WD $628 $314 $52
Honda Civic DX 4-Dr Sedan $774 $387 $65
Hyundai Elantra GLS 4-Dr Sedan $1,072 $536 $89
Hyundai Sonata GLS 4-Dr Sedan $826 $413 $69
Mazda 3 I SV 4-Dr Sedan $780 $390 $65
Nissan Altima 3.5 SR 4-Dr Sedan $988 $494 $82
Toyota Camry SE $870 $435 $73
Toyota Corolla LE $754 $377 $63
Toyota Prius $754 $377 $63
Toyota RAV4 Limited 4WD $1,048 $524 $87
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific garaging location which can raise or lower rates substantially.

Choosing deductibles

One of the most common car insurance questions is how high should the physical damage coverage deductibles be. The figures shown below may help to illustrate the rate fluctuation of buying low and high coverage deductibles. The first data table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Escape insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $198 $338 $226 $14 $68 $869 $72
Escape XLS 4WD $198 $338 $226 $14 $68 $869 $72
Escape XLT 2WD $198 $338 $226 $14 $68 $869 $72
Escape Limited 2WD $228 $338 $226 $14 $68 $899 $75
Escape XLT 4WD $228 $338 $226 $14 $68 $899 $75
Escape Limited 4WD $228 $412 $226 $14 $68 $973 $81
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Ford Escape insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $144 $228 $226 $14 $68 $680 $57
Escape XLS 4WD $144 $228 $226 $14 $68 $680 $57
Escape XLT 2WD $144 $228 $226 $14 $68 $680 $57
Escape Limited 2WD $166 $228 $226 $14 $68 $702 $59
Escape XLT 4WD $166 $228 $226 $14 $68 $702 $59
Escape Limited 4WD $166 $278 $226 $14 $68 $752 $63
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in garaging location in Freeport which can alter premiums considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $16 more each month or $192 every year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 25 months between claims, you would probably come out ahead if you decide on a higher deductible.

Deductible analysis

The chart below shows how different deductible levels and can influence Toyota Corolla insurance prices for different categories of driver ages. Data assumes a single female driver, comp and collision included, and no discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Earn discounts on Freeport auto insurance

Some insurance providers do not list the entire discount list in an easy-to-find place, so below is a list some of the more common as well as the least known discounts that you can inquire about if you buy Freeport car insurance online. If you do not double check each discount possible, you're paying more than you need to.Save money with discounts

A little disclaimer on discounts, some credits don't apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, you aren't that lucky. But any discount should help lower the amount you have to pay.

Some companies that may have some of the discounts shown above include:

Before you buy a policy, ask all the companies how you can save money. Savings might not be offered in your area. If you would like to choose from a list of insurers with significant discounts in Freeport, follow this link.

Freeport auto insurance rates are influenced by these factors

Many things are considered when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are more transparent such as whether you are married and annual miles driven. It's important that you understand some of the factors that play a part in calculating the level of your policy premiums. If you know what impacts premium levels, this empowers consumers to make smart changes that may result in lower premium levels.

Insurance agents are trained to help

Some people would rather go talk to an agent and that is a smart decision An additional benefit of comparing insurance prices online is that you can find cheap insurance rates but still work with a licensed agent. Buying from neighborhood insurance agencies is important particularly in Freeport.

Find insurance agent in FreeportUpon completion of this simple form, your insurance data is emailed to agents in your area that give free quotes and help you find cheaper coverage. You don't have to do any legwork because prices are sent immediately to your email address. You can find the lowest rates and a licensed agent to work with. If for some reason you want to get a rate quote for a specific company, just visit that company's website and complete a quote there.

Exclusive agents vs. Independent agents

When looking for a local insurance agency, you should know the different types of agents from which to choose. Insurance agents are categorized either exclusive or independent (non-exclusive).

Independent Insurance Agents (or Brokers)

Agents of this type often have affiliation with several companies so they can quote policies amongst many companies and help determine which has the cheapest rates. If prices rise, they simply switch companies in-house and you won't have to switch agencies.

If you are trying to find cheaper rates, you should always contact a few independent agents in order to have the best price comparison. Many independent agencies also insure through less well-known companies which can be an advantage.

Exclusive Agencies

These type of agents can only quote rates from one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot place coverage with different providers so keep that in mind. They receive a lot of sales training on their company's products and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents mostly because of the brand name and strong financial ratings.

Choosing a auto insurance agent shouldn't rely on just a cheap quote. Some important questions to ask are:

If you receive positive responses to any questions you may have and an acceptable price quote, you may have found a car insurance agent that meets the criteria to adequately provide insurance.

Is there truth in advertising?

Companies like Allstate, GEICO and Progressive regularly use ads on television and other media. They all seem to say the same thing that people will save if you get a free Freeport car insurance quote and switch your policy. How do they all offer drivers better rates? Just pay attention to how they say it.

All companies have specific criteria for the type of customer that earns them the most money. An example of this type of risk profile might be between the ages of 30 and 50, has never had a policy lapse, and drives a safe vehicle. Any new insured that meets those criteria will probably get the lowest prices and have a good chance to save when they switch companies.

Potential insureds who don't measure up to the requirements must pay a higher rate which usually ends up with business not being written. The ads state "people that switch" but not "everyone who gets a quote" can save as much as they claim. That is how companies can advertise the savings.

Each company has different criteria, so you absolutely need to compare rate quotes every year. It is impossible to predict the company that will have the lowest insurance in Freeport.

Affordable insurance premiums are possible

Cost effective insurance can be sourced from both online companies and with local Freeport insurance agents, so you should be comparing quotes from both to have the best selection. Some companies may not offer the ability to get quotes online and these small insurance companies sell through independent agents.

People switch companies for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, denial of a claim and unfair underwriting practices. It doesn't matter what your reason, switching insurance companies is less work than it seems.

When searching for cheaper Freeport car insurance quotes, it's a bad idea to buy less coverage just to save a little money. Too many times, an insured dropped liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your objective should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

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